I am moving to the Milwaukee area in a few months. I am looking for a 90% jumbo loan. Where are these available and what are the ballpark rates? Is PMI required?
You can and you can do it in two ways, either one loan or a first and a 2nd, depending on your purchase price will help dictate which option you choose. Please shoot me an email with the estimated purchase price and your estimated credit score and I can get you a quote. Greg

my credit is 437 can i get a good morgage rate
your other email said 637, if your score is 637 you will get a good rate but it will not be as low as someone with a credit score that is in the 700's. Greg

Will anyone give a mortgage with a 615 fico score with 20% down?
yes, and you wont even have to sell your Harley! Email or call me if you would like more info. Greg

Are there any type of home equity loans which allow up to 100% LTV available right now?
Sorry, I don't know of any either. Some lenders go up to 90, you could do an FHA cash out if you really need the money. Greg

CAN YOU GET A 15 YEAR MORTGAGE WITHOUT 20% DOWN?
sure can!

Best way to get out some equity?
There are a few ways, depending on what you owe and what its worth you can get a home equity line of credit, this is the cheapest way to get out that equity. Besides that you can do a cash out refinance, and of course you can sell it and get the money that way.

could i get construction financing with 95% LTV anywhere?
New construction, probably not. If the home is currently existing and you want to do a bunch of work to it and only put 5% down based off the future value of the work, yes.

How long til we can get a mortgage to buy a house after bankruptcy Chapter 7
Hi, so far it sounds like the foreclosure date will trump your bankruptcy date. Email or call me if you want to discuss in more detail, unfortunately you are not the first person I have dealt with in this situation. Greg

as a first time buyer am i able to get a conventional mortgage
Of course!

Is it better to get prequalified for a new loan before i sell or after?
Before. Check your credit and come up with the game plan before, not after.

Help
Barb is right. Something is not adding up here. This should not be a surprise 2 weeks before the closing. I would get them any items they need to try and get your loan clear to close or switch lenders but switching lenders could delay your closing a little bit. I am also in Illinois, feel free to call me tomorrow...

are conventioal rates lower or higher than fha?
Fha are lower but when you add in the costs and mortgage insurance conventional is cheaper. General rule of thumb is if your credit score is in the 600's you go FHA, in the 700's your best bet usually becomes conventional.

203K loan
Hi Cierra,Its not difficult, I just don't think your current lender can do 203k loans so they are probably trying to scare you out of it. The key thing on any rehab loan is the end value so ask your realtor what he or she thinks the value of the property will be if you did all the upgrades you mentioned and then...

How much home can I afford?
i need a few more details, if you email me I will ask you a few more questions and give you the answer. Greggmitchell@totalmortgage.com

Low credit but need to refinance
Hi Samuel,I might, let me send out an email in the morning and get back to you. Greg